Help..

Usually my period would be a week or a few days late. But now it's a month late. I got my last period in July and was fine and all then august passed and was worried cause my period was a no show. Now it's September and I still don't have it. I have really bad lower back pains my breast is somewhat tender. Also I'm a virgin I know I'm not pregnant. Last time I did something sexual was in July but nothing serious just fingered in a pool. I'm 19 I know how sex and stuff works. I'm just worried cause my period being this late has never happened to me. I did start college and had financial and work problems so idk if it's also cause of stress. Has anyone had a late period and did it show after? Is this serious? 😕help please